My husband and I are buying a 1 bedroom flat in Herne Hill with a mortgage. We have a Herne Hill solicitor, but the mortgage company says she’s not on their "panel". We have to appoint one of the mortgage company panel firms or retain our Herne Hill conveyancer as well as pay for one of their panel firms to act for them. We regard this is inequitable; is there anything we can do?
No, not really. Your mortgage offer is subject to its terms and conditions, one of which will be that lawyers will on the lender’s conveyancing panel. Until recently, most lenders had large numbers of law firms on their panels: a borrower could choose one for themselves, as long as it was on the lender's panel. The lender would then simply instruct the borrower's lawyers to act for the lender, too. You can use your lender's panel lawyers or you could borrow from another lender which does not restrict your choice. Another option that might be available is for your Herne Hill conveyancing lawyer to apply to be on the conveyancing panel.
Please explain the implications if my lawyer’s firm is expelled from the Santander Solicitor panel ahead of completing my conveyancing in Herne Hill?
First, this is very unlikely to happen. In most cases even where a law firm is removed off of a panel the lender would allow the completion to go ahead as the lender would appreciate the difficulties that they would place you in if you have to instruct a new solicitor days before completion. In a worst case scenario where the lender insists that you instruct a new firm then it is possible for a very good lawyer to expedite the conveyancing albeit that you may pay a significant premium for this. The analogous situation is where a buyer instructs a lawyer, exchanges contracts and the law firm is shut down by a regulator such as the SRA. Again, in this situation you can find lawyers who can troubleshoot their way to bring the conveyancing to a satisfactory conclusion - albeit for a fee.
I used Wolstenholmes several years past for my conveyancing in Herne Hill. I now require my file but the law firm has closed. What do I do?
Do call the Solicitors Regulatory Authority (SRA) to assist in tracking down your conveyancing files. They can be contacted on please contact on 0870 606 2555. Alternatively, you should use their online form to make an enquiry. You will need to provide the SRA with as much information as possible to assist their search, including the name and address in Herne Hill of the conveyancing firm of solicitors you previously hired, the name of conveyancing solicitor with whom you had dealings, and the date on which you last had dealings with the firm.
I am buying a new build apartment in Herne Hill. Conveyancing is necessary evil at the best of times but I have never purchased a new build flat before. Can you give me some examples of some of the questions asked in new build legal work.
Here are examples of a selection of leasehold new build enquiries that you should expect your new-build leasehold conveyancing in Herne Hill
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Please supply a car parking plan. Will the freehold then be transferred for a nominal consideration (not exceeding £100) to the Management Company? Will control of the Management Company (if any) be handed over to purchasers on completion of the last sale or earlier? Please provide evidence that the form of Lease proposed has been approved by the Land Registry.
I am four weeks into a leasehold purchase having been referred to conveyancers by the selling agent to execute conveyancing in Herne Hill. I am am very dissatisfied with the quality of service. Could you help me find new lawyers?
A lawyer would have to be very bad to suggest changing them. Has the mortgage offer been issued? In the event that it has you need to inform them of the new contact details and get the loan are re-sent. The solicitor ideally needs to be on the mortgage company panel to avoid supplemental fees and delays. So that should be your first question of the new lawyers. Our search tool should assist you in finding a bank approved lawyer for your conveyancing in Herne Hill
Do I cancel the direct debit for my mortgage with Bank of Ireland as soon as a completion date for my sale in Herne Hill has been agreed?
No, you must maintain paying any mortgage payments to Bank of Ireland pending the mortgage being repaid on completion as part of your Herne Hill conveyancing.